Creditfix annual review

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mel865

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Post by mel865 » Thu Oct 18, 2018 4:21 pm
Hi All,

I’ve had a request from Creditfix for my annual review (year no.2) but they want to access my account online.
Do I have to allow them this access? I have no problem supplying them with 6 months statement as I did last year, but to actually allow them access to my online account seems a step too far. They tried it last year and the portal they’re using wouldn’t work in my account but it seems they’re using a different portal this year.

My monies changed (of which I informed them) different wage, but same amount coming in through child maintenance and lodger. Plus I need a review of expenditure which CF agreed that I could do at this review as they weren’t interested when I advised them of change of circumstances.

Creditfix have made a complete hash of my IVA contract, overtime payments, etc... it’s been a total shambles from the start and I just don’t trust them to have this level of access into my privacy.
Does anyone know where I stand.

Foggy

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Post by Foggy » Thu Oct 18, 2018 4:24 pm
You do not have to give them this third party access to your account, they can work with paper copies as before.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

MerlinL14

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Post by MerlinL14 » Thu Oct 18, 2018 5:12 pm
It was never a prerequisite of your IVA proposal, so as Foggy says you can decline and continue to supply paper statements.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues

kallis3

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Post by kallis3 » Fri Oct 19, 2018 7:02 am
You don't have to do it - I wouldn't.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Stephend0890

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Post by Stephend0890 » Fri Oct 19, 2018 5:00 pm
Hi,

I had same with credit fix regarding third party, I called up and asked to do my review with paper copys and they were fine, they asked for 6 months of bank and wage slips, I sent 3 months in and it wasn't a problem.

sarah859

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Post by sarah859 » Thu Oct 25, 2018 12:02 pm
hello, I had them ask me to do this and I said I'd rather not. they called me last night to say this is now how they do things because they were losing paperwork and that I have to do it.

I did this last night so they have my statements but it came up with the affordability stats (which FYI didn't seem to even generate my monthly wage correctly) and it states that my excess income is -454. this is rubbish, I have never been in minus figures with my current bank and always have at least a very little left over until I am paid again.

I've never missed a payment with my iva and live comfortably since starting it. I am worried they'll now stop it because of this "cutting edge" software and i'll lose my house :'(

Foggy

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Post by Foggy » Thu Oct 25, 2018 12:08 pm
sarah859 wrote:
hello, I had them ask me to do this and I said I'd rather not. they called me last night to say this is now how they do things because they were losing paperwork and that I have to do it.

I did this last night so they have my statements but it came up with the affordability stats (which FYI didn't seem to even generate my monthly wage correctly) and it states that my excess income is -454. this is rubbish, I have never been in minus figures with my current bank and always have at least a very little left over until I am paid again.

I've never missed a payment with my iva and live comfortably since starting it. I am worried they'll now stop it because of this "cutting edge" software and i'll lose my house :'(
You DO NOT have to do it --- when you signed up the arrangement was based on providing information by giving them paper copies, no where did you agree to third party access and they cannot force that on you now. Losing paperwork is just an indication of their poor practice.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

kallis3

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Post by kallis3 » Thu Oct 25, 2018 12:14 pm
No way would I do it. You can always copy and paste (delete any personal or account details) and email them across.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

mel865

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Post by mel865 » Sat Nov 17, 2018 10:54 am
So... I put through all my paperwork via email.
Didn’t hear anything from them to confirm receipt so by day 3 I called and confirmed that they had everything. Which they confirmed yes and it was being given to a case worker and would take 2 weeks (up to their usual efficiency then!)
We are now at Day 18 and this morning I receive an invite to do my annual review online! Arghhhhhhh!
I have a call in for them to call me back but anyone who’s dealt with CF knows that this will never happen!

How is it that they appear to have such a monopoly on this industry but are so shockingly incompetent?!
Is there no one regulating them?
It was a government site that led me to Credit Fix and quite honestly I feel like I’ve been fed to the wolves and am being further punished for getting into debt!

Sorry... rant over!

Foggy

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Post by Foggy » Sat Nov 17, 2018 11:12 am
"How is it that they appear to have such a monopoly on this industry but are so shockingly incompetent?!
Is there no one regulating them?
It was a government site that led me to Credit Fix and quite honestly I feel like I’ve been fed to the wolves and am being further punished for getting into debt!"

They appear to have a monopoly purely due to case numbers, which they have increased by purchasing cases from smaller firms to increase their market share "overnight". They are the Easyjet of the industry --- barely acceptable service, no frills.
They are regulated but, in common with all insolvency firms, the regulators are part of the industry (self regulation, really). The regulatory bodies will not intervene and the only sanctions they apply are smacked wrists and(sometimes hefty) fines (which they keep !!).
The debtor has no formal means of mediation, advocacy or redress (something I have petitioned about, but got no support).

I might add that many firms put a lot more into onboarding clients --- once signed up the client is, effectively, trapped and some firms allow service levels to drop with no recriminations. The larger "IVA factories" are subsidised by the creditors themselves and fed leads --- bit like putting a fox in charge of guarding the henhouse !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

kallis3

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Post by kallis3 » Sat Nov 17, 2018 11:58 am
Send your documents via snail mail now, recorded. You do not need to give them access to your accounts.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Waitingforship

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Post by Waitingforship » Sat Nov 17, 2018 4:44 pm
In most areas of consumer business today, the “people” have more power than we have ever had. If we were to receive delays in response by customer service or had a genuine gripe or complaint about a company we could redress the balance by jumping on social media and airing our washing for all to see. Sadly society still considers debt (our washing) to be dirty. This means that companies like Creditfix have all the power and none of the worry because they know we can’t shout out in a public forum for fear of being judged by our peers. I’m so close to jumping on Facebook right now to express the completely appalling service I have received at the hands of this faceless monster and stuff what other people think of me. I may not have completely paid my debts to my creditors but I feel I have more than paid my debt to society which is more than the bankers have. But then I breathe and remember I have made my final payment and that I should just wait patiently for the elusive epistle containing my completion certificate. WEEKEND RANT Over.....

Don’t let them near your bank account ever again they have NO right to it. You can as all the others have said give them the info they are entitled to by other less intrusive means. Good luck with your journey.

mel865

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Post by mel865 » Tue Nov 20, 2018 4:23 pm
Hi All, me again!

So I hit day 21 having not heard anything from CF concerning my review.
Phoned them this morning. First person I spoke to said “this is not good enough” - your telling me!
Put me through to the IVA review team. The lady I spoke to starts explaining why I have to complete a review, etc. So I stop her and explain that I have completed what has been requested of me and that I’ve been waiting 3 weeks despite phoning to confirm receipt.
So she puts me on hold for 7 minutes. When she comes back she says the review will be completed and I’ll be notified by email initially and then within 3-5 working days by post.
When I challenged her that it sounded like the review hadn’t been done she replied that it had never been assigned a case worker and she would be taking it on herself.
FFS!!!!!!!!! :shock:
I really shouldn’t be surprised :roll: but their incompetence never ceases to astound!

Foggy

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Post by Foggy » Tue Nov 20, 2018 4:34 pm
Hi Mel -- Can I clarify that they did / are doing your review using paper submissions after asking you to use the online system, which you politely declined ?

I ask because another poster has, just now, been bullied by them into accepting doing it the online way as they absolutely refused to accept hard copy submissions !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

mel865

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Post by mel865 » Tue Nov 20, 2018 4:42 pm
I didn’t ask Foggy,

I just sent it through on an email (so still all in searchable PDF format - as they would download) followed up with a call that they were in receipt of it.
No one ever challenged me.
They are a complete shower, I wouldn’t let them near my online account!
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